BlastPoint's Credit Union Scorecard
BLUEGRASS COMMUNITY
Charter #12648 · KY
BLUEGRASS COMMUNITY has 2 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.27% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Efficiency ratio 7.74% above tier (higher cost structure)
- - Delinquency rate 2.08% above tier average
- - Asset Growth Rate: Bottom 2.5% in tier
- - AMR Growth Rate: Bottom 2.5% in tier
- - Deposit Growth Rate: Bottom 2.6% in tier
- - Loan Growth Rate: Bottom 5.7% in tier
- - Share Certificate Concentration (%): Bottom 7.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,850
-0.4% YoY-0.1% QoQ
|
-765 |
2,615
-1.9% YoY
|
18,352
+6.1% YoY
|
33,374
+5.7% YoY
|
48% |
| Assets |
$12.3M
-13.0% YoY-10.6% QoQ
|
$-17.8M |
$30.1M
+2.1% YoY
|
$297.6M
+11.0% YoY
|
$561.6M
+9.7% YoY
|
36% |
| Loans |
$7.6M
-20.0% YoY-8.5% QoQ
|
$-8.2M |
$15.8M
-1.3% YoY
|
$214.0M
+12.0% YoY
|
$397.0M
+8.8% YoY
|
44% |
| Deposits |
$10.9M
-15.7% YoY-8.0% QoQ
|
$-14.8M |
$25.7M
+1.4% YoY
|
$249.6M
+10.9% YoY
|
$477.3M
+9.7% YoY
|
38% |
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| ROA |
0.5%
+250.9% YoY-40.1% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.3%
-193.7% YoY
|
0.7%
+15.9% YoY
|
40% |
| NIM |
4.2%
-4.5% YoY+6.7% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.7%
-0.4% YoY
|
3.8%
+5.1% YoY
|
64% |
| Efficiency Ratio |
90.3%
-4.4% YoY+8.2% QoQ
|
+7.7% |
82.6%
-2.3% YoY
|
85.5%
-17.8% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate |
3.6%
+46.8% YoY+38.0% QoQ
|
+2.1 |
1.6%
-3.1% YoY
|
1.1%
-5.8% YoY
|
1.3%
-2.1% YoY
|
Top 9.9% in tier |
| Loan To Share |
69.7%
-5.1% YoY-0.5% QoQ
|
+9.1% |
60.6%
-3.1% YoY
|
65.9%
-3.9% YoY
|
67.4%
-1.7% YoY
|
64% |
| AMR |
$9,985
-17.2% YoY-8.2% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$17,204
+6.4% YoY
|
$19,687
+2.0% YoY
|
28% |
| CD Concentration |
39.5%
-17.9% YoY-6.0% QoQ
|
+15.0% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.7% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)